Guess he can take out a loan for future schooling! Son found a phone
Posted By: plan w/Sprint for around $40 a month. He's payi on 2007-10-20
In Reply to: HELP, son in first year of college... psm - frustrated
s
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
If your loan is an FHA-backed loan, you can contact the
to help you. Each state has one assigned to it by the FHA. I'm talking the FHA loans that are 5% down, sometimes bond money is available, etc. Not the one where payments are based on your income, etc.
Whatever you do, contact your mortgagor TODAY. Do NOT delay. Be realistic about what you can do financially to recover -- do not agree to terms you cannot realistically carry out.
You should have several options available to you before foreclosure is started. You might even try to do a quick sale of your home. You have until the very moment they auction that title off.
Try looking for information here:
http://articles.moneycentral.msn.com/Banking/HomeFinancing/FacingForeclosure9Options.aspx
http://www.hud.gov/foreclosure/index.cfm
http://www.hud.gov/offices/hsg/sfh/nsc/reliefop.cfm
So I'm behind I guess - they found her??
??
How would you know that? I am a home schooling mom and sm
my kids are very socially acceptable through siblings, cousins, church, the home school group.
The big difference between the home-schooled kids and the public school kids are that they are more "deprived" of bad behavior and inappopriate things that young kids should not know.
And another thing. Whatever you describe as socially inept, or the inability to get along with the real world is not something I want my kids to learn anyway.
I graduated from my schooling but you know
I just wonder about others sometimes. My mother always said - consider the source, so considered.
I find it odd that you don't know how much schooling your husband has had.
.
How doea one become a waitress? Is there a special schooling?..nm
nm
Anything you think you can avoid by home schooling, not getting birth control, etc
for your children, talking incessantly about all the no-nos associated with premarital sex, etc will more than likely fall on deaf ears when it comes to children. I did live in a really big city and regardless of small or large, the girls are maturing much earlier and a lot involved in sex earlier than we as parents would like to believe. You can give a child talk after talk but restrictions, talking, home schooling, etc only goes so far with growing kids. You cannot protect your kids like you would really like to.
I would take his phone away or make him pay the bills for the phone
He can use the postal service to write her letters if he wants but there is no excuse. College is not highschool and if he's gonna make a go of it...be the parent and discipline....my opinion but take the phone away.
Why can't you take the loan for the 50% they -
offered and then payback immediately what you don't need? As long as there is no payback early penalty that is how I would get around that problem, that is if I am reading and understanding this right.
we just had to ask our in-laws for $500 loan
they're like a bank to us ;)
we just had to ask our in-laws for $500 loan
they're like a bank to us ;)
we just had to ask our in-laws for $500 loan
they're like a bank to us ;)
No, they wont LOAN us the 50% (sm)
Not a single bank wanted to loan us the money unless we paid all kinds of points and had a ridiculous interest rate - and only 1 out of 10 said they would do that. The others turned us down flat.
I guarantee if I had half a dozen kids and was on some kind of government assistance we would qualify.
We will keep on keeping on, and hopefully something will change for the better.
thanks everyone for your responses.
FHA loan might work for you
Your credit score can be lower than for a conventional loan and you can get into the house with a down payment of only 3.5%. But I don't believe you can have BAD credit--more like fair. If you have anything unpaid (old bad debt, etc.), then they'll make you take care of those before they give you a loan.
Telling you the appraisal from 3 years ago isn't right, and he knows it. Valuations are down practically everywhere and, depending on your region, could be down substantially. And this business of getting his friend to appraise the house is shady, too. You sure this guy is a good guy?
Lots of people got into big trouble by buying a house before they were ready financially to do so. Tread carefully.
does your future son-in-law sm
go to church each week. If not is he getting questioned like your daughter. I am Catholic and go to church every Sunday. I know from hearing family members that a priest will not marry you unless he has proof that you are going to Church each week. The envelopes are the proof. The priest does not want to marry you in the church just because your Catholic. So if your son in law does not go to Church he is at fault also. My DD is getting to another Catholic next year. She became very relaxed about going to Church. They registered back into the Church once they got engaged and waited six months before contacting the priest.
Some of what you said seems like it is the priest and not the Catholic religion. I would contact another Catholic priest and see if he feels the same. The bad part is if your daughter is probably getting turned off by the Catholic religion before she gets started. She will have to sign a paper promising she will raise her children Catholic. My daughter told me that there is separate paper work to fill out if you are living together so most people do lie. She does not live with her fiance. Also after they get married in the Catholic Church and then stop going most priests will not baptize the children just for the sake of it if the parents are not going to take the children to church. All this is really a shame because the Catholic church is turning a lot of people away. Good luck and give us any updates.
Has anyone had experience with a consolidation loan?
gg
Think about future resale
I could only get preapproved for a mortgage on stick built homes. No modulars, no manufactured, nothing that had "ever been on wheels or classified as such on the tax roles". I had to pass up many good deals on great properties because my lender was adamant about stick built. So keep in mind it may be harder to sell when that time comes.
This just in from my future contractor
"You friend is correct, but may be jumping the gun a little bit.
As I said before, I would avoid purchasing a NEW PC with XP. This does not make sense, especially if your current PC is working for you. Extended support for Windows XP systems will continue through 2014 at least and probably longer. So the timeframe for upgrading is quite long…
I would not upgrade a current PC (more than 2 years old) to Vista under any circumstances. With anything less than 2 Gig of RAM, the Vista OS slows to a crawl and many hardware vendors have not upgraded their drivers.
As far as a new machine goes, I would wait until the Vista SP1 (Service Pack 1) has had time to “soak” for a while before making any decision. It’s also MUCH better to change machines than trying to attempt an upgrade later (to Vista SPn for example).
Again, the other thing to consider is that not all vendors are currently ready to support Vista and the “compatibility mode” of Vista has been shown to be problematic.
So to summarize, here’s what I am suggesting to my clients and friends …
1. Let 2008 pass without upgrading.
2. Revisit the stability of Vista and the depth of vendor support in late 2008 to be ready for a planned migration from XP to Vista in 1Q 2009 at the earliest (and possibly later).
3. When considering the upgrade to Vista, plan a complete hardware upgrade as well.
If you would like to talk about this on the phone, feel free to contact me anytime. See this link http://www.microsoft.com/windows/products/windowsvista/sp1.mspx for more information about Vista SP1.
Lack of help from future son-in-law
Please tell me if I'm overreacting. I'm moving 60 miles away from where I'm now living next weekend for a new job at a big hospital in my hometown. I'm excited but nervous also. My daughter is getting married in November. I only have about 3 rooms of furniture and a lot of it is already boxed and in a storage room. I asked my daughter if "Bruce," her fiance, and his buddies could help move me, as I am single, with no father, brothers or friends who are able-bodied any longer (I'm 50+). She asked him and grudgingly he said something to the effect that he could, but we would have load the truck the night before and he would have to be finished up before noon the next day, and his friend would help for $200(!). The last straw was he told my daughter to tell me not to expect to have boxes, furniture placed or set up, because he HAD to get to the "Mud Bog" by 12:00 sharp.
Is this any way to treat a future in-law? He knows I don't have any family really. I did get a couple of co-workers and their husband/brother to help, thank goodness, but I'm really worried about the future with this boy--respect for me, priorities, selfishness--thanks in advance.
That is work; he is your future son-in-law
It sounds like you were lucky to get the offer you got and since you have no one you'd have been better off to take him up on it.
You certainly can't expect people to do things just out of the goodness of their heart when they know you can't stand them. If you can come on here and post about your future son-in-law's flaws, then I'm sure he knows how you feel.
What are you trying to prove here? He said he'd do it, that it would cost $200.00 for the friends to help (do you expect him to carry everything by himself), but that he couldn't place the furniture? So what's wrong with that?
For your future and that of your kids
You may not think so, but you've got a lot of things going for you, the most important being that you realize you need to do something.
Short term: You've gotten great advice about making small changes, like exercising, losing weight, etc. Go for it.
Long term: You're worried about bills, housing, and your children's reactions to changes in their lives, and those concerns are certainly valid. But there is something more important at stake: You do not want your unhappy marriage to be the template for your children's future relationships in adult life. They deserve better than that, and so do you. See a lawyer and plan your exit strategy. It may take time, but *commit* to change. Have you ever heard the saying, "The journey of a thousand miles begins with a single step?" Take that step and you will be surprised what you can do.
Stated Income Home Loan
I am a self-employed IC and have purchased 4 homes in 4 different states as a single person. I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2. No tax info was used, needed or requested. I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info. But as a single person you can obtain a home loan based on your credit and not your tax info. Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment. You will have a short-term payment for the downpayment and your 30 yr note on the home. I was also able to obtain very low interest rates based on my credit rating.
Good luck, I did have to provide extra documents when I purchased one home with my exhusband.
Providing references when getting auto loan
I have to buy a car and the finance company (Capital One) requires 10 references. I don't know this many people. Has anyone been in a similar situation...what did you do?
I have family, but do not want them to know that I am buying a car. Any advice?
Have you considered a home equity loan to
pay off all your credit cards?
I could loan you my husband for a week. I'm not frugal,
mm
Might be exciting now, but future will be grim. SM
I would suggest adding some excitement to your marriage. Try to find the guy your husband was, that turned you on to him. That is where your attention should be.
You cannot go back again and you are not an 8th grader, but are acting like one.
Hmm, maybe modeling in her future? Hope
xx
You probably saved someone's life in the future.
A couple months ago there was a terrible head-on train crash near Los Angeles, and the cause of it was the engineer of the passenger train blew through a red light because he was texting some teenagers. It's a shame he was killed, because he should have lived to see the carnage he caused.
Yay, my future son-in-law is such a peach. HE didn't forget about me! nm
nm
Agree. Teachers of future generations should be better
iop
Went to HS with future Mrs. Tom Hanks, Rita Wilson
//
single wide are only kind to depreciate; hard to get loan
nm
thank you so much for the quick response. Would this pose a problem for me in the future?? nm
Past, present, future. Still expecting miracle.
//
if the sonogram was not wrong, for the future you may want to get your hormone levels checked. sm
a lot of times when women have multiple miscarriages at the stages you are it is because their hormones are off, in particularly low progesterone. if this is the case, in the future it can be corrected by taking progesterone at earliest sign of conception until about 11-12 weeks. so ask questions as to what your estrogen/progesterone levels were on your lab results today. have you carried any children yet to term? wish you the best of luck and pray for a good outcome......
ear phone help . . .
Any suggestions on what is the best? I am struggling, have gone through a couple of cheapier sets, would like to know what you guys think is best. TIA.
Trac Phone
I have a trac phone and get aritime cards every three months. I can get 120 minutes for I believe $29.99 and it's worked out very well for me.
Phone call of the day ....sm
ME: Hello?
CALLER: Hello, does anyone at your home speak English?
ME: What? Of course I speak English. I was born and raised in the US and speak no other language. Why do you ask?
CALLER: I'm so sorry ma'am. This is Jody with the Police Benevelance fund and we'd like to ask for a contribution for.....
ME (immediately cutting her off): Ma'am, how dare you have the audacity to call my home, ask me if I speak English and then want to ask me for a donation? Donkeys would fly before I'd give your organization a penny as you have now totally insulted me, a bona-fide English speaking American Citizen - one without an accent other than being Southern.
Can you believe it? My husband stood there shaking his head as I let into this lady. It's bad enough to call somewhere and hear "press 1 for English, 2 for Spanish...." but to have someone call you and ask if you speak English is absurd.
call your phone co and ask if they have....
I have privacy director from bellsouth and also am on the donotcall.gov list and phone#. However, I continually get a call with no one speaking from a SEBELL - I looked up SEBELL and it's a telecommunications company that once got into big trouble - with telemarketing - and now it *looks* as though they are back. The only thing I could do with that number was STAR (*) 60 which blocks only 6 telephone numbers via bellsouth.
Would it be possible to ask the phone company--sm
to come out and inspect your line? I don't see where a lawyer would be any good at this point, until something is either proven or disproven. Good luck.
I had it on my cell phone too! lol
x
Depends on what phone you have but sometime
you can see where it send return message highlight that and hit okay type your message and it should say send somewhere on the screen and make sure to hit the quick key button for that.
How many of you use only a cell phone? sm
We're going totally wireless in our house next week after our alarm company converts our system to a radio one. The cell companies in our area have finally gotten the offers down to where it's cheaper to go cellular exclusively than pay a cell and regular phone bill. What about you?
cell phone
My family and I (husband and two teenagers) all have our own cell phones. In a dire emergency of no power, our car will accommodate an attachable adaptor for the cell phones to recharge. It made things simpler, and no extra added bill from a phone company. It has been this way for over three years now.
Fitst of all, cut out that phone
you are paying for. You should have already taken that away. He is misusing and you are paying. Nip that in the bud. You need to put a halt to any and all financial deals except the very ones that keep him in school. I think you are making trying to handle with kid gloves and he seems to be taking advantage of a good thing.
I can ask my mom who lives there (just got off the phone, actually). sm
I do know that in the summer, the highs are around 70s or so. Does not get much higher than that. A Big Mac and fries with drink in Alaska (Anchorage) will run you about 6.00 w/o tax.
My mom received an expensive gift card for the doc she works for - for Nordstrom Dept. Store. Instead of spending it in Alaska, she is coming to Texas next month and thinks she will get double for her money at the Nordstrom's here.
They just bought a 4 BR/2BA home in the town of Palmer, AK (about an hour from Anchorage?) and they paid 200,000 for it. BUT, they are now selling their home and moving BACK towards Anchorage as she realized she cannot drive in the winter that far to work! She makes 22.00 an hour running a doctor's office. My dad works for the prison system and they are doing VERY WELL. He is retired A.F. She NEVER complains about money - like how much things costs. If anything, she says, "boy it's nice not to have to worry about money!"
Every year residents get a "dividend" check for a couple thousand dollars from the oil companies, too, from what I understand.
If you are a woman, Alaska is a WONDERFUL place to live, from what I hear. My mom and dad are still young (in their late 40s - early 50s) and my mom says that dad brings home "friends from work" and the way she puts it, if I were single and visiting I wouldn't be single for very long! Plenty of good looking, hard-working men and not enough women...........My mom has a weird sense of humor, but she's not kidding!
Of course, you MUST love the outdoors if you live there. My dad is constantly shoveling snow and working on their vehicles - at least 7 months out of the year, preparing them for the cold. He just bought himself a new snowmobile and he is an avid hunter and salmon fisherman. My mom is outdoorsy too, so it works well for them. I have no plans on visiting any time soon. I enjoy not having to deal with snow where I am at.
I hope this helps you a little bit. The further you go from the city the cheaper the housing. My parents want to move back to Eagle River,AK, but don't think they could get a decent house for the price they are asking in that particular area.
I'll tell you this. If I were going to move there I certainly wouldn't go far from Anchorage unless you want to live in the middle of nowhere! At least in Anchorage (or near Anchorage), you have full access to the airport where you could get on a plane and get away if you need to which is what my mom does often. I see her "all the time" even though she lives there. She flies out a lot! And that is because no one in the family goes to visit them.......Hope this helps!
Following up on not answering the phone
I have read the posts. This is a forum for all to post any and everything. By myself mostly, I have raised 2 children, bought my own house, cars, taken nice vacations with the kids usually to Club Med and the like when they were younger and to say am I not that smart to have asked such a question, this is insulting for a person even to imply that. Others on here post about marital infidelities, problems with in-laws, kids and the like. I asked for suggestions- nothing was written in concrete I had to use. I started MTing long before we worked out of our homes- by the time I was able to work from home the kids were in their 30s and 20s, grown! I had to work to make a living so in the summers rather than having to go to daycare, they visited relatives. (Peope even asked when time for bingo- it was directly across my home from me- started 8:30 so yes in the summer I was able to go). My daughter (who by the way I am having dinner with tonight) told me about a month or so ago her childhood was "idyllic." I said really- she told me loved where we lived and she had a wonderful childhood. By the way, she has this rule and I am not allowed to call HER home before 12 on a weekend so she can sleep in. Again my asking her over and over to just ask me if I am upset should stand but this is something that continues with her. The person who said they listened to their father telling stories over and over again- when I do this, not aware that I am repeating, my daughter says - mama, you've told me that before. What works in 1 family does not necessarily work in another! I am soooo thankful working as much as I have in life- now I have found out next year when I start drawing my money at full retirement age from SS that it will be around 2,000 per month- by the way I am not planning on retiring- plan to continue working as long as I can because those are just my ethics and the way I have always been. I will always be their mother, true but they are not my entire life now- they are a portion like I am a portion of theirs. I think lots that post here are younger and true enough when the kids are young and such it is different than when they leave home and have their own lives. I don’t smoke, drink or do drugs, never brought strange guys home to stay the nights and did a darn good job with my kids. As far as my son, you only do so much and when your children are grown, not your responsibility how they decide to behave, good, bad or otherwise. Sure I would love to see him but when I said closing the bank back in 2000, the visits, telephone calls, etc. slowed down a lot. Think what you want- people do- but as for me, I have no regrets at all really about the entirety of my life, past and present.
phone covers
Have you seen the phone cover plates they make for phones? They have some adorable ones--tons to choose from. That would hide any scratches you have on your current phone. My husband has a Dodge cover on his and my son a Chevy one. They love them.
cell phone
I have 4 phones on my bill. We pay $9.00/month extra for unlimited texting for my son, otherwise our bill would probably be that high. Our bill with 4 phones and extra for the texting is $90.
The phone is yours, don't hand it in.
x
Lucy, I would definitely be on the phone sm
with those people demanding an explanation!!. Especially since you live in an apartment -- there should be no reason why your bill would increase 6 times over, unless they hiked their rate ridiculously!!
|
